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Bill O'Neal Loan Consultant
- NMLS # 505778
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Direct:
530-370-0622 - |
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Email:
bill.oneal@nafinc.com
About Bill O'Neal
My name is Bill O'Neal, I want you to have the best
home loan experience possible w/over 20 years of lending experience and I am proud to work with the community on behalf of New American
Funding. As a highly-skilled Loan Consultant, NMLS #505778, my goal is to
provide the best customer service possible along with knowledgeable, unbiased
advice.

Top Rated
Mortgage Lender
4.9/5 Based on 269,421 Reviews

You're In Good Hands!
Connie B. E.
Transaction Completed:
6/9/2025
"Bill O'Neal and Todd Kremer were very accessible and promptly answered all questions we asked. It was a pleasure to work with them and would definitely refer them and their company to others."
D E .
Transaction Completed:
6/1/2025
"I was having trouble sorting through all the mortgage providers I was researching, and asked my realtor if she new of one with a good reputation. The next day, Bill reached out to me based on my realtor's having contacted him and asking him to call me. I'd never heard of New American Funding, but after some basic research, decided to proceed with a loan application to see how they worked. Bill was fantastic! Despite a fairly short timeline to closing, Bill's team worked hard to get everything taken care of and my application approved on time. Bill himself was wonderful to work with--he answered all my questions quickly, whether by phone, text, or email. A few days after I started the application process with NAF, I mentioned to a friend the frustrating experience I'd had with the previous company I'd been working with. He responded that he'd had the same experience, and asked me if I'd heard of NAF--he had switched to them when refinancing his loan, and loved them. It reinforced my initial impressions of NAF. My Loan Processor, Todd Kremer, was similarly responsive--a perfect complement to Bill."
David E. E.
Transaction Completed:
6/1/2025
"I was having trouble sorting through all the mortgage providers I was researching, and asked my realtor if she new of one with a good reputation. The next day, Bill reached out to me based on my realtor's having contacted him and asking him to call me. I'd never heard of New American Funding, but after some basic research, decided to proceed with a loan application to see how they worked. Bill was fantastic! Despite a fairly short timeline to closing, Bill's team worked hard to get everything taken care of and my application approved on time. Bill himself was wonderful to work with--he answered all my questions quickly, whether by phone, text, or email. A few days after I started the application process with NAF, I mentioned to a friend the frustrating experience I'd had with the previous company I'd been working with. He responded that he'd had the same experience, and asked me if I'd heard of NAF--he had switched to them when refinancing his loan, and loved them. It reinforced my initial impressions of NAF. My Loan Processor, Todd Kremer, was similarly responsive--a perfect complement to Bill."
Donna Lynn M.
Transaction Completed:
2/11/2025
"Extremely helpful, very professional. answered all or any questions we had. and always available to us"
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Pathway to HomeOwnership
Are you Ready?
At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.
What is the Pathway to
Homeownership Initiative?
The Pathway to Homeownership offers qualified borrowers in select areas up to $6,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.
This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

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Flex - Killeen
Belton, TX 76513
Direct: 530-370-0622
Email: bill.oneal@nafinc.com
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